MMO is Marvel Mystry Oil? I heard a lot of good things about that too. they have been around forever. I read people tested that 32:1 increase the cylinder temperature by 10 to 15 deg. Either it's because the oil burn higher temp or the gas ratio got leaner because of more oil. You check the exhaust for deposits? How many hours have you have on the stuff using 32:1? What oil are you using? I like to have more oil particularly for the new leaner burn engines. I use Amsoil at 64:1 ( almost double the recommended amount) mainly because I can still keep close to 50:1 while I have more oil.

Awesome answers to everything! Didn't really need an answer, my first car was a two-cycle three cylinder Saab sedan. It sounded like a very loud chainsaw. Front wheel drive, easy change thermostat to go from Summer to Winter, and one of the first front wheel drive cars around. I've been mixing oil and gas all my life. I use a 1983 Husqvarna 44. It runs great, hot knife through butter when cutting wood. The new ones use 50 to 1 and I've always used 40 to 1 with this one. So that's my two cents. Keep writing these awesome answers. This is a great website!

USAA has a good rep so I don't think it should be a problem for you to leave it there for a while. SmartMoney's website I believe is free for access, but I could be wrong - I'm a WSJournal subscriber and the two are owned by the same company so there's a lot of cross-links on the websites. It isn't easy finding an good independent fiduciary advisor, but for people who need help developing a comprehensive financial plan (which is not the same as earning a high ROI on investments), I think it's essential. Most middle-class folks would find it helpful to talk to a neutral third party who can ask the hard questions and analyze your total financial picture. One thing for everyone to be aware of is that when I refer to financial planning, this is not only a legal term, it actually refers to creating a 'road map' that takes you from your current financial situation to achieving your short, medium, and long-term goals. It is aiming for a moving target, so any life-changing events - life, death, marriage, divorce, change of job - means some fine-tuning may be needed to your plan. To produce a good plan requires time spent in not only gathering all your financial info and analyzing it, but defining your goals. Some will be achievable and some will not be. Only you can define and prioritize them, and a good advisor will help if needed. You can get a financial plan, separate from investing advice, from any certified fiduciary advisor. Cheaper ones are computer 'plug in the numbers' produced, so always make sure you understand the base assumptions, and have multiple scenarios run to be sure you're covered for any contingencies/emergencies you haven't foreseen. Establish the total cost of meeting, gathering info, analyzing, and producing the plan(s) up front before signing anything. It takes time to do a financial plan, and anyone promising you it will be easy and fast isn't going to do a comprehensive job. It's an advantage for the fiduciary to be an insurance agent OR to be very familiar with insurance analysis, because many people could use advice on how to use different types of insurance to mitigate risk in various areas of their life. At a minimum you should contact at least three fiduciary advisors, obtain references, and investigate them thoroughly, before working with one. Even if all you need is a financial plan, do the research, but confine the requested references to clients who received a financial plan at least three years ago and are willing to discuss its usefulness. It is not uncommon for people to pay for a financial plan and then follow the suggested actions on their own; e.g., do their own investing, etc., without engaging the advisor to handle their portfolio. OTOH, a financial plan that goes unimplemented is just a useless piece of paper. We used to have to gently 'nag' our clients that they still hadn't completed certain checklist items on their plan, so it depends on how good you are at doing tasks that many people put off....until it's too late.

Check the Household Financed forum, too. I think we recently discussed some of this over there. Here is a link that might be useful: Household Finances